Personal finance · Offline-first
Qashly folds your bills, subscriptions, debts and goals into one clear picture — what's left to spend today — and stands watch over every renewal, every due date, every debt-free date.
Free to download. No card, no sign-up. iPhone and Android.
Qashly makes it a glance — one number, checked in the time the kettle takes.
How the number is made
Everything that comes in, at the top. It's the only number you start with.
£4,045.00 to hand outBritish Gas on the 3rd, Netflix on the 7th. You're not deciding these twice.
£2,832.05 leftThe exact day the car loan is gone. Overpay £150 a month and watch it move.
£2,412.05 leftNot with whatever happens to survive the month.
£2,212.05 leftThat's the number — and it re-makes itself the moment anything changes.
£71 a day, all JulyJulyThe maths
The wallet
Cash, bank, savings and crypto side by side — £12,180.88, and the story of where it moved. Transfers between wallets in two taps, an area chart running this month against your average, and balance edits that reconcile with an adjustment instead of quietly lying to you.
Subscriptions
59 presets, price rises caught, and free trials counted down to the day they turn into money. Five services at £47.95 a month is £575.40 a year — lined up before they charge, not explained after.
The toolset
Subscriptions, bills, loans, goals, investments, repeats, reports, to-dos and UK tax — every engine writes to the same ledger. Nothing here is an add-on.
Due dates, arrears when something goes unpaid, and skip-a-cycle without breaking the schedule.
Overpay £150 a month: gone by Aug 2027, £1,284 of interest kept. A worked example — the simulator makes yours.
Auto-save moves real money on schedule, milestones at 25, 50 and 75% — and a "what if I add £50" simulator.
Live crypto prices, recurring buys on a schedule, and a cost-basis replay that keeps profit honest.
Daily to yearly or every N days, with a real pause, skip-next, run-now and an end date.
Every slice opens into its transactions. Month against month, net worth over time — and PDF for your accountant.
A to-do links the exact bill, subscription or loan it's about — and repeating chores respawn when done.
Salary, loan, savings, investment, dividend, budget, tip and currency — with live exchange rates.
Ask Qashly · 111 actions
Not a chatbot that explains your money back to you. Say it, type it, or photograph it — and the app changes: the transaction lands, the sub pauses, the repeat books itself. 111 registered actions; 54 of them answer to your voice.
Every AI action lands in a feed with one-tap undo — try it on the card in the demo. Nothing touches your ledger that you can't reverse.
Powered by OpenAI. When you ask, the relevant data is sent from your phone to OpenAI for that one request and is not used to train models. And none of it is your banking login — the ways in are the + button, your voice, a chat message, a photo of a receipt, or a CSV your bank already lets you export.
Ask Qashly
Where your data lives
"Offline-first" is a phrase anyone can print. So here is the actual itemised ledger of what stays on your phone — and the six precise things that ever go online.
There is no Qashly account.
A database on your device. Not a copy of your ledger — the only copy.
UK Tax Centre · 2025/26
Employment, self-employment, rental, savings and dividends in one position. England & NI and Scottish bands, the £100,000 allowance taper, Class 2 and Class 4 National Insurance, and every student loan plan — 1, 2, 4, 5 and Postgraduate, including the ones that repay at the same time. Then the Self Assessment arithmetic: your liability, the tax already taken at source, the balancing payment, and payments on account with the dates they fall due. Exported to PDF for your accountant.
The full tax engine is on the free plan.
2025/26 figures. Estimates, not tax advice — and it all runs with aeroplane mode on.
Self Assessment · 2025/26
£3,412
Worked example — the engine runs yours
£1,284
Interest kept by overpaying £150 a month.
Debt-free Aug 2027 instead of Mar 2029.
Worked example
£575.40
A year of subscriptions, lined up before they charge.
Five services at £47.95 a month, on a 30-day radar.
Worked example
111
Actions the assistant can take.
54 by voice. Every one undoable.
In the app today
0
Bank logins ever asked for.
No account, no email, no password either.
By design
Pricing
Free
£0
Free forever. No card, no account.
Premium
£6.99
per month
Pro
£9.99
per month
How the trial works
Questions
No, and Qashly never asks for your online banking login. Add transactions with the + button, by voice, in chat, by photographing a receipt, or by importing a CSV your bank already lets you export — Qashly maps the columns, catches duplicates, and shows you everything before it saves. Direct bank connections are on the roadmap, and will be optional.
Yes. Qashly is offline-first: all of your financial data lives on your device and every core feature works with no connection at all, including the entire tax engine. Only the AI, live investment prices, exchange rates and sending us feedback need the internet.
In a database on your phone. There is no Qashly account and no server copy of your finances — nothing to breach, and nothing to sign into. The trade-off is real, so we'll say it: your phone is where the data is. Lock the app with a PIN and Face ID or fingerprint — a recovery code covers a forgotten PIN — and back your phone up as you normally would. Cloud backup and sync are on the roadmap.
Only what a request needs. The relevant transactions, budget or tool data are sent from your phone to OpenAI for that one request and are not used to train models. Never use the AI, and your finances stay on the phone entirely.
Not one you can't reverse. Every AI action lands in a feed with one-tap undo, and the assistant is walled off from your PIN, your security settings and any bank login — because there isn't one. It acts on what you named, and nothing else.
Yes — it's a working budgeting app, not a demo. One project, two wallets, three tags, one of each tool, 100 transactions a month, budgets and the full UK tax engine. The AI taster is 10 chat messages, 3 minutes of voice and 3 receipt scans — lifetime allowances rather than monthly, so spend them on real questions.
It covers the 2025/26 tax year across employment, self-employment, rental, savings and dividends, including Scottish bands, the personal allowance taper, National Insurance and every student loan plan — with a Self Assessment estimate and payments on account. It's an estimate, not tax advice, and it runs entirely offline.
Premium is £6.99 a month or £49.99 a year — both start with a 3-day free trial — or £99.99 once for lifetime. Pro is £9.99 a month, £99.99 a year or £149.99 lifetime, with higher tool and AI limits. Prices in other regions follow your app store.
iPhone and Android. There's no iPad version and no web app.
There's more in the box — 53 kinds of notification, CSV import with column mapping, eight app icons, streaks to 365 days. See every feature →
Free to download, set up in minutes — no card, no account, no bank login.
Free to download. Premium is £6.99 a month or £49.99 a year, with three days free. Cancel any time.
